Moylan's Insurance Underwriters

What Moylan's Insurance Underwriters does

Moylan's Insurance Underwriters, Inc. is a privately held regional insurance carrier incorporated in Guam, founded in 1971 and headquartered at 424 West O'Brien Drive, Suite 102, Hagåtña. The company operates as a multi-line carrier and local agent, offering eight core insurance products — Auto, Home, Health, Life, Commercial, Content & Renters, Personal Accident, and Surety/Contract Bonds — to individual consumers and commercial enterprises across Guam, the Marianas, and Micronesia. Two physical branch locations (Hagåtña headquarters and Julale Center plus a Harmon branch), phone-based contact, and a mobile app form the customer-facing distribution surface, with the carrier serving a 3,000-mile Pacific Islands region.

The technology stack pairs a proprietary back-office policy administration and billing platform, the Apollo system, with the Primo Rewards mobile application on iOS and Android. The mobile app supports existing policyholders with policy access via Insured ID, credit/debit card payment processing through Authorize.net (PCI-DSS compliant with tokenized CIM storage for Auto-Pay enrollments), a 2.9% convenience fee on card transactions, push notifications, and a merchant loyalty ecosystem with weekly MoyMoney Cashbox cash-prize promotions. Cloud infrastructure runs on Google Firebase and transactional email on SendGrid; no APIs, SDKs, or AI/ML capabilities are disclosed. Marketing relies on organic social (Facebook, Instagram, YouTube), email newsletters, ReachLocal retargeting, Google Analytics, and community events such as the Run for Your Heart 5K and the ongoing 55th Anniversary Drive Away Car Giveaway (April–December 2026).

Revenue is generated primarily through recurring insurance premiums across personal and commercial lines (subscription/recurring model), supplemented by a 2.9% usage-based convenience fee on in-app card payments. The go-to-market is sales-led, anchored by local insurance agents at branch offices and supplemented by digital channels and community engagement. The customer base is split horizontally between individual consumers and SMB commercial clients, with no disclosed anchor accounts, enterprise revenue concentration, or premium volume figures. There are no funding rounds, acquisitions, M&A, or PE ownership disclosed; the company has operated independently for 55 years.

Name

Moylan's Insurance Underwriters

Legal name

Moylan's Insurance Underwriters, Inc.

Website

https://moylansinsurance.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

11–50 employees

Short description

Moylan's Insurance Underwriters is a privately held regional insurance carrier founded in 1971 in Hagåtña, Guam, offering eight personal and commercial insurance lines to individuals and businesses across Guam, the Marianas, and Micronesia.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Surety Insurance (6351)

akta.pro primary industry

Renters Insurance (FSAJACAB)

akta.pro secondary industries

Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC), Guaranteed Issue Term Life Insurance (FSAIAAAG)

Keywords

• Personal auto insurance
• Home property insurance
• Commercial business insurance
• Surety contract bonds
• Pacific Islands insurance

Headquarters

HQ city

Hagåtña

HQ country

Guam

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders across multiple insurance lines including auto, home, health, life, commercial, content & renters, personal accident, and surety/contract bonds. Premiums are collected on a recurring basis (monthly, annual, or per billing cycle).
2. Payment Processing Fees: Credit/debit card convenience fee of 2.9% applied to all transactions made through the mobile app. This is a usage-based revenue stream tied to customer payment activity.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Moylan's Insurance Underwriters is a regional insurance carrier underwriting and distributing eight lines of personal and commercial coverage — Auto, Home, Health, Life, Commercial (general liability, property, workers' compensation, commercial auto), Content & Renters, Personal Accident, and Surety/Contract Bonds — to individuals and businesses across Guam, the Marianas, and Micronesia. Coverage is sold through local agents at branch offices in Hagåtña and Harmon, supported by a proprietary mobile application (Primo Rewards) and an online payment portal with a 2.9% credit/debit card convenience fee.

Product overview

Moylan's Insurance Underwriters operates as a regional insurance carrier offering a portfolio of eight core insurance products across personal and commercial lines. The product suite includes Auto, Home, Health, Life, Commercial, Content & Renters, Personal Accident, and Surety/Contract Bonds insurance. The company complements its core insurance offerings with a mobile application (Primo Rewards) that provides policy management, online payment processing, Auto-Pay enrollment, and a customer rewards program featuring partner merchant discounts and weekly cash promotions. The insurance products are delivered through a traditional agency model with locations in Hagåtña and Harmon, Guam, serving customers across Guam, the Marianas, and Micronesia.

Differentiator

Problem solved

Functional benefit

Brands

• Primo Rewards: Mobile rewards app for customers offering exclusive discounts and deals from partner merchants, including the MoyMoney Cashbox promotion

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Authorize.netcoreTechnology or IntegrationPayment gateway provider used for secure credit/debit card processing within the mobile app. Provides PCI-DSS compliant payment infrastructure with tokenization for card data security. The Authorize.net Customer Information Manager (CIM) system enables secure tokenization for Auto-Pay enrollments.
• Google FirebasecoreTechnology or IntegrationCloud infrastructure provider for secure data storage, push notifications, and application hosting of the mobile app. Provides the backend cloud services for the Primo Rewards application.
• SendGridcoreTechnology or IntegrationEmail service provider for sending transactional emails including payment receipts, payment reminders, and Auto-Pay notifications to customers.
• ReachLocalminorGTM or Marketing PartnerDigital advertising partner providing retargeting advertising services. ReachLocal's network enables display of targeted advertisements to users who previously visited the Moylan's Insurance website, showing ads for the company's products and services on third-party websites.
• Primo Rewards Partner MerchantsminorOthersVarious merchant partners offering exclusive discounts and deals to Primo Rewards app users. Moylan's Insurance acts as a platform connecting policyholders with participating merchants for rewards and savings.
• Apollo SystemcoreTechnology or IntegrationPolicy management system for processing insurance policy administration, billing, and account management. Payments submitted through the app are transmitted to the Apollo System for processing.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Regional players

• StayWell Insurance: Pacific-region health and accident insurer operating across Guam and Micronesia. Comparable on personal accident and health product overlap and on shared Guam-centric regulatory environment.
• Hawaiian Insurance & Guaranty Company: Hawaii-domiciled insurer with Pacific Islands exposure, including surety and commercial lines. Comparable as a regional carrier operating across the broader Pacific geography with overlapping surety and commercial products.

Broad incumbents

• GEICO: National direct-to-consumer auto and home insurer competing for personal lines in every U.S. jurisdiction including Guam. Comparable on auto and home product lines and on digital/self-service distribution model.
• Allstate: National multi-line P&C and life insurer with comparable product breadth (auto, home, commercial). Competes in Guam for personal and commercial lines with significantly larger capital and marketing resources.
• USAA: National insurance and financial services provider serving military members and families with deep penetration in Guam. Comparable on auto, home, and life product lines for the same military-affiliated customer base.
• State Farm: Largest U.S. multi-line insurance carrier offering auto, home, life, and commercial coverage nationwide. Comparable on full multi-line product portfolio and agency distribution model, though operating at vastly greater scale.
• Armed Forces Insurance Exchange: Specialty insurer serving U.S. military members and families, with significant concentration in Guam due to major military installations. Comparable on auto, home, and personal property lines for a key Guam customer segment.

Direct peers

• Calvo's Insurance: Another long-established Guam-based insurance agency offering personal and commercial lines across the same Pacific Islands geography. Most directly comparable peer on admitted-license status, product breadth, and customer base.
• TakeCare Insurance Company: Guam-headquartered health and life insurance carrier serving individuals and employers across the Marianas. Comparable as a regional admitted insurer operating in the same regulatory environment and overlapping personal product lines.
• Pacific Indemnity Insurance Group: Hawaii-based insurance group with Pacific-wide operations including Guam and Micronesia exposure. Comparable multi-line carrier serving similar Pacific-region customer base with overlapping personal and commercial products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@MoylansInsuranceGuam
• Facebookfacebook.com/moylansinsurance
• Instagraminstagram.com/moylansinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moylan's Insurance Underwriters